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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Stat demand set aside refused by court! hfc hp - 1st credit/connaults/marlin


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Hi,

 

Ive had a look through the stickys and done a couple of searches and have a general idea where I stand - but I have a couple of things that were not covered elsewhere.

 

I received a letter from Marlin, a notice of assignmenr from HFC to them on the 24th June. Then nothing, no phone call or follow up letter until a letter from Connaught on 15th July saying it was their intention to issue a stat demand under IA 1986. Then nothing again until receiving the now famous A4 demand, with the little blue binding triangle at the top of the page. I received this letter on the 4th August - but its dated 26th July - sent second class.

 

1 - Can I ask them for proof of assignment to them?

 

Now without checking the forums (DOH!) I emailed them, but a bit of background first:

 

I have several other debts that are being managed by the CCCS - all of which I make regular payments to.This debt to the HFC was a forgotten debt from 2004 - and I havent heard anything about it since shortly afterwards until now. The amount of debt is £900 - but they only quote the amount owed - not the account number.

 

In my email I said that I would seek to add it to my debt managment plan, and requested this demand to be set aside - I did though state the email was "without prejudice" at the start.

 

2 - will it still be a good idea now to request a copy of the credit agreement?

 

Is there anything else I could do to help with this demand?

 

3 - with realtion to my other debts - if the agencies dealing with those debts fail to provide me with a copy of the credit agreement - would that make those debts unenforceable - or would the fact I've been making payments stop this happening?

 

Thanks guys!

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Wowsers that was quick - thanks

 

At the moment I have asked Con to set it aside - but not aplied to the court for it to be done so - because I dont know if I have cause for it to be?

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That you dispute the amount due to charges that haven't been verified and that they have not supplied a CCA.

 

Request a CCA from them using letter N from here:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Head it with I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY THAT YOU CLAIM TO REPRESENT.

 

Amend to suit, do not sign, print your name, send recorded, use a £1 postal order for the fee keeping a copy of the number to check if they cash it, keep a copy of your letter with the postal receipt and good luck...

 

Send an SAR letter M from the same template library. Use a £10 postal order and send in the same way as the CCA...This is to establish any unlawful charges on the account.

Edited by babybear39
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The site seems full of these SDs from Ist Credit at the moment, im expecting mine any day now, in fact the postman tried to deliver a recorded letter this morning, so ill find out tomorrow when i collect it from the post office.

Not had one before so will need help, if/when

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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The site seems full of these SDs from Ist Credit at the moment, im expecting mine any day now, in fact the postman tried to deliver a recorded letter this morning, so ill find out tomorrow when i collect it from the post office.

Not had one before so will need help, if/when

As someone said before, 1st Credit/Connaught send SD's out like confetti. I have had 3 from them. One of them quoted my local county court that doesn't deal with bankruptcies and the other two, no court was quoted at all. Just a message on the SD to phone them and they would tell me which court I should attend.:rolleyes:

I never had any of them set aside but if they send another I definetley will.

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As someone said before, 1st Credit/Connaught send SD's out like confetti. I have had 3 from them. One of them quoted my local county court that doesn't deal with bankruptcies and the other two, no court was quoted at all. Just a message on the SD to phone them and they would tell me which court I should attend.:rolleyes:

I never had any of them set aside but if they send another I definetley will.

 

What happened then, if you didnt get them set aside they can petition for your bankruptcy, as i understand it?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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What happened then, if you didnt get them set aside they can petition for your bankruptcy, as i understand it?

They sent one quoting a court that doesn't deal in bankruptcy proceedings and the other two quoted no court at all. I did try and have the first one set aside but the staff at the court weren't clued up as to what an SD was. They basically turned me away. TBH I wasn't as clued up as I am now when I got them. From what I believe I have to have them set aside at the High Court in Central London as that is the only court here that deals with bankruptcy. It is far too late now to have them set aside and I have had several letters and phone calls from 1st Credit since I got the last SD. I simply have to wait for their next move.

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They sent one quoting a court that doesn't deal in bankruptcy proceedings and the other two quoted no court at all. I did try and have the first one set aside but the staff at the court weren't clued up as to what an SD was. They basically turned me away. TBH I wasn't as clued up as I am now when I got them. From what I believe I have to have them set aside at the High Court in Central London as that is the only court here that deals with bankruptcy. It is far too late now to have them set aside and I have had several letters and phone calls from 1st Credit since I got the last SD. I simply have to wait for their next move.

 

Hi, im sure thats not right, its a COUNTY COURT matter at this stage, and i understand you can do it at any branch of the court, find out all the ones in your immediate area and insist, you only have 18 days to deal with these things, it costs the other side nothing to do it, and thats why i think there are so many of these now, as they have to pay a fee for a court claim, with no guarantee of winning

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hi, im sure thats not right, its a COUNTY COURT matter at this stage, and i understand you can do it at any branch of the court, find out all the ones in your immediate area and insist, you only have 18 days to deal with these things, it costs the other side nothing to do it, and thats why i think there are so many of these now, as they have to pay a fee for a court claim, with no guarantee of winning

I wish I could have them set aside but they are far too old now. They wouldn't get much out of me any way. By the time they had made me bankrupt there would be nothing left for them after everyone else got payed out. The little equity I have left in my property is quickly decreasing due to the so called credit crunch, immenent recession and property crash that is happening right now.

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Hi, im sure thats not right, its a COUNTY COURT matter at this stage, and i understand you can do it at any branch of the court, find out all the ones in your immediate area and insist, you only have 18 days to deal with these things, it costs the other side nothing to do it, and thats why i think there are so many of these now, as they have to pay a fee for a court claim, with no guarantee of winning

I have checked. Not all deal with bankruptcy.

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Ok mate as i said this hasn't happened to me yet, but i think it will soon, so im trying to find out stuff for my benefit as well as trying to help you (and others who i'm sure are watching this).

Thanks for your help

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Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I'm due to get this set aside in the morning.

 

But now this is interesting I've got a second letter from Marlin, this time with £60 added to what I owe without explanation.

 

It now seems I have two agencies chasing me for this money,

 

I get 3-5 calls a day from Connaught, but I have refused to answer their questions, as advised from here, 'cos I dont want to give them any details they have not got. They havent taken the hint, or requests to only deal via letter - so I'm thinking of issuing the phone letter to them as well.

 

Oh and Marlins letter tells an out and out lie, saying "we have confirmed with the land registry that you are the registered owner..."

 

Apparently I own the house, which I think will be a surprise to the landlord lol

 

I have sent CCAs to each of them btw

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Oh and Marlins letter tells an out and out lie, saying "we have confirmed with the land registry that you are the registered owner..."

 

Apparently I own the house, which I think will be a surprise to the landlord lol

 

 

Maybe your lease is registered with the Land Registry with its own title. The LR entry does distinguish between real property and leases but it's not at all obvious.

 

You can get a copy of the Land Registry entry for any property online from their website. Costs £3.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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As this is a credit card debt I am going to send a subject access letter as there will def be unfair charges on the account.

 

My problem is to who?

 

Marlin who have sent an assignment letter - though only signed by themselves.

OR

Connaught who issued the sat demand?

 

Both are currently engaged in chasing this debt.

 

And if I send it to Marlin - where does that leave me in regards to how I am setting the demand asside (unfair charges, no cca and no assignment proof).

 

Should I write to one of them telling them I am only going to deal with the other? If so who?

 

I dont want to have to issue the subject access letters to both of the DCAs - due to costs partly and just 'cos it could confuse things.

 

I have been refusing to talk to both on the phone, due to them asking me personal details and aftter advice not wanting to give them more ammo than they have - but should I just ask them about eachother - without giving them the info I just mentioned.

 

Sorry to ask so much - but its getting silly now!

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Opps the debt is a Hire purchase agreement - not a credit card.

 

Oh and I did the agreement online in 2004 - not sure if I ever signed an agreement?

Edited by SirHumpy
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